The new app feature confused me greatly and left me short because the option for three months was hidden, They wouldn't change it to three months so i had to wait till i got paid again and freed up... See more
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Review summary
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Reviews shaping this summary
A great way to repair your credit rating. Use like a debit card linked to your normal card to earn cashback. Was a little disappointed the first time I used it as wanted to pay in full and it didn't d... See more
Company replied
A truly terrific modern piece of software designed to coach and encourage prudent spending; albeit sometimes on luxury items, In short Zilch will reward the user with increased credit when cr... See more
Company replied
I originally saw this company on my Clear Score credit card page. I Googled the company and saw that it had great reviews. I applied and I had an immediate response. I was surprised to be offered such... See more
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Company details
About Zilch
Written by the company
About Zilch
Join over 4 million customers and get the credit you deserve with Zilch. Pay your way – in-store or online – with responsible limits, no interest* and no late fees. Ever. *Purchase fees may apply.
From 18.6% APR Representative. Credit subject to status, 18+, UK residents only. T&Cs apply.
Pay with credit
S-t-r-e-t-c-h the cost of pricier purchases with credit limits up to £2250. Break down your payment into four equal chunks with Pay over 6 weeks or 3 months. And hit Snooze* whenever you need more time. *Subject to eligibility and fees may apply.
Pay with debit
The Zilch card links seamlessly with your bank account so you can pay via debit and get up to 5% back in Rewards every time you Pay now. Rewards are added to your account instantly, so you can use them to discount your next purchase or save them up for something special.
Exclusive deals
Download the Zilch app and browse our storefront for exclusive deals at brands you love, including Amazon, Morrisons, eBay and loads more.
Grow your credit
If you use Zilch regularly and always make your payments on time, your credit score could go up. We’ll also give you easy-to-follow tips on how to increase your credit limit.
Download App
Contact info
111 Buckingham Palace Road , SW1W 0SR, London, United Kingdom
- payzilch.com
4.4
Excellent
80K reviews
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Best oportunit
May 7, 2026
Reply from Zilch
We love to hear it. Cheers for taking the time to leave us your feedback, we’re always here if you need help.
Thanks
Team Zilch
Great app to use highly recommended it
May 15, 2026
Reply from Zilch
Thanks for taking the time to leave this amazing review. We love hearing positive feedback and we’re so chuffed you’re happy with Zilch.
Please reach out if we can help you with anything.
All the best
Team Zilch
Reply from Zilch
If there’s one thing we love at Zilch, it’s making life easier for our customers, so it’s great you’ve had such a positive experience.
Thanks a bunch
Team Zilch
A truly terrific modern piece of...
A truly terrific modern piece of software designed to coach and encourage prudent spending; albeit sometimes on luxury items,
In short Zilch will reward the user with increased credit when credit is due and pull customers up with a well deserved short sharp shock if they overstretch themselves.
We could use one of these in no 11 Downing street!!
Five star clever banking for beginners!!
May 2, 2026
Reply from Zilch
That’s such great news. We love nothing more than a happy customer, so the fact you’re happy makes us happy. Smiles all round.
All the best
Team Zilch
I didn't see anywhere there is a £4.50…
I didn't see anywhere there is a £4.50 charge added on
May 14, 2026
Reply from Zilch
We’re so sorry you’ve had issues with Zilch and we’d love the opportunity to make things right. We’ll send an email to the address linked to your account. Get back to us when you have a minute and we’ll try to resolve it.
In the meantime, thanks for taking the time to leave us this review. We truly appreciate all feedback, good or bad.
Thanks
Team Zilch
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Reply from Zilch
Thanks for telling us about your experience with Zilch so far. We're so happy to have you on board.
Let us know if we can help with anything.
Thanks
Team Zilch
Reply from Zilch
We really appreciate your feedback and we’re so sorry you’ve had some issues. We’ve sent you a message so we can try to resolve this for you asap.
Thanks
Team Zilch
Was not happy first time used card…
Was not happy first time used card charged me £3.75 on £49 purchase that’s 8-9% charge on valued item .. won’t be using as fees out way normal intreast on other cards
May 14, 2026
Reply from Zilch
I’m sorry you were unaware of our Zilch Anywhere fees. Although Zilch is free to use at thousands of participating stores, some stores do incur a small fee. We’ve sent you a message so we can try to resolve this for you asap.
Thanks
Team Zilch
Peace of mind
May 14, 2026
Reply from Zilch
Thanks for your lovely feedback. We’ll be sure to share it with the relevant people.
All the best
Team Zilch
First time I have used zilch i couldn’t…
First time I have used zilch i couldn’t believe how easy it was the app is brilliant and easy to use I will definitely recommend zilch
May 7, 2026
Reply from Zilch
OK, stop it now. You’re making us blush.
Thanks for the love
Team Zilch
Very simple to apply and app is very good
Very easy to apply and my card came very quickly and it's very easy to use and the app helps me check my transactions.
May 7, 2026
Reply from Zilch
We’re so glad you’re happy. Please reach out if we can help you with anything else. The best way to get in touch is via live chat or you can send us a message on Facebook, X (Twitter) or Instagram.
Thanks
Team Zilch
Virtual credit card that works for you
I originally saw this company on my Clear Score credit card page. I Googled the company and saw that it had great reviews. I applied and I had an immediate response. I was surprised to be offered such a high credit limit. But once I understood how it worked, I felt comfortable with making purchases. Everything is self explanatory and the app guides you through making a purchase. The fact that you can pay in 4/6/12 instalments is great for people in difficult financial situations. I have used it to pay for my grocery shopping online: meaning that I can afford to feed my family and not worry about using all my money in one go. I would definitely recommend this app/virtual credit card.
May 14, 2026
Reply from Zilch
If we had a pile of our favourite feedback, this one would go straight to the top.
Thanks so much
Team Zilch
I contacted zilch whilst experiencing…
I contacted zilch whilst experiencing financial issues.. they were extremely helpful and understanding..
May 6, 2026
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
Reply from Zilch
You’ve just made our day.
Thanks a million
Team Zilch
Look very nice then i hope zilch credit…
Look very nice then i hope zilch credit card look alright
May 14, 2026
Reply from Zilch
Thanks for taking the time to leave us feedback, we love to hear when we’re doing a good job.
Team Zilch
Reply from Zilch
Thanks for taking the time to leave us feedback – and for making us smile today.
Do reach out if we can help you with anything.
All the best
Team Zilch
If you want my advice I'd steer & stay…
If you want my advice I'd steer & stay away from Zilch they are aggressive on trying to retrieve there money and there charges are unreasonable.
May 14, 2026
Unprompted review
Reply from Zilch
Firstly, we’d like to apologise that Zilch didn’t meet your expectations this time. To create a better experience for our customers, we’ve sent you a private message requesting your details so we can help get this sorted.
Thanks
Team Zilch
Not quite spread the cost over 6 weeks
Not quite spread the cost when I used it for a 11.00 transaction at Tesco and was charged £3.25 fee and then had to pay £9.80 for the first transaction. Didn’t really help me. Actually cost more.
May 14, 2026
Reply from Zilch
We really appreciate your feedback and we’re so sorry you’ve had some issues. We’ve sent an email to the address linked to your account with a bit of further information. Get back to us when you can so we can get to the bottom of this.
Thanks
Team Zilch
Already loving it
The process to sign up was really fast and the payment system proceeded without any problem. Also like the user interface
May 14, 2026
Reply from Zilch
Thanks for taking the time to leave this amazing review. We love hearing positive feedback and we’re so chuffed you’re happy with Zilch.
Please reach out if we can help you with anything.
All the best
Team Zilch
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